{"id":19334,"date":"2024-09-20T09:18:00","date_gmt":"2024-09-20T14:18:00","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e5%a6%82%e4%bd%95%e6%88%90%e5%8a%9f%e6%8e%a8%e9%8a%b7%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae\/"},"modified":"2024-09-20T09:18:09","modified_gmt":"2024-09-20T14:18:09","slug":"%e5%a6%82%e4%bd%95%e6%88%90%e5%8a%9f%e6%8e%a8%e9%8a%b7%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e5%a6%82%e4%bd%95%e6%88%90%e5%8a%9f%e6%8e%a8%e9%8a%b7%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae\/","title":{"rendered":"\u5982\u4f55\u6210\u529f\u63a8\u92b7\u53c3\u6578\u4fdd\u96aa\u55ae"},"content":{"rendered":"\n<p>COVID-19 \u5927\u6d41\u884c\u63ed\u793a\u4e86\u50b3\u7d71\u4fdd\u96aa\u7bc4\u570d\u7684\u8a31\u591a\u7f3a\u9677\u3002\n\u4f8b\u5982\uff0c\u8a31\u591a\u4f01\u696d\u4e3b\u5728\u75ab\u60c5\u95dc\u9589\u540e\u624d\u767c\u73fe\uff0c\u50b3\u7d71\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u4e26\u4e0d\u80fd\u89e3\u6c7a\u767c\u751f\u5728\u4ed6\u5011\u8eab\u4e0a\u7684\u4e8b\u60c5\u3002 <\/p>\n\n<p>\u9032\u5165\u53c3\u6578\u4fdd\u96aa\u3002\n\u901a\u904e\u95dc\u6ce8\u570d\u7e5e\u95dc\u9375\u4e8b\u4ef6\u7684\u6578\u64da\uff0c\u9019\u4e9b\u4fdd\u55ae\u7c21\u5316\u4e86\u4fdd\u96aa\u627f\u4fdd\u548c\u7406\u8ce0\u3002\n\u5b83\u5011\u8db3\u5920\u9748\u6d3b\uff0c\u53ef\u4ee5\u70ba\u5404\u7a2e\u640d\u5931\u63d0\u4f9b\u4fdd\u96aa\uff0c\u4e26\u4e14\u5b83\u5011\u5141\u8a31\u4fdd\u96aa\u516c\u53f8\u5229\u7528\u8207\u5c08\u6ce8\u65bc\u6578\u64da\u5206\u6790\u7684\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u7684\u95dc\u4fc2\u3002  <\/p>\n\n<p>\u53c3\u6578\u5316\u4fdd\u55ae\u5c0d\u8a31\u591a\u4fdd\u96aa\u5ba2\u6236\u4f86\u8aaa\u662f\u4e00\u500b\u65b0\u6982\u5ff5\u3002\n\u63d0\u4f9b\u6709\u95dc\u5176\u512a\u52e2\u7684\u6559\u80b2\u53ef\u4ee5\u52a0\u5f37\u95dc\u4fc2\u4e26\u9f13\u52f5\u5ba2\u6236\u8cfc\u8cb7\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u53c3\u6578\u7b56\u7565\u7684\u5de5\u4f5c\u539f\u7406<\/h2>\n\n<p>\u50b3\u7d71\u7684\u4fdd\u96aa\u55ae\u6839\u64da\u5ba2\u6236\u906d\u53d7\u7684\u5be6\u969b\u640d\u5931\u652f\u4ed8\u7d22\u8ce0\u3002\n\u4f8b\u5982\uff0c\u5982\u679c\u5730\u9707\u640d\u58de\u4e86\u627f\u4fdd\u7d50\u69cb\uff0c\u50b3\u7d71\u7684\u623f\u4e3b\u4fdd\u96aa\u55ae\u53ef\u80fd\u6703\u652f\u4ed8\u7dad\u4fee\u8cbb\u7528\u3002 <\/p>\n\n<p>\u53c3\u6578\u4fdd\u96aa\u4e0d\u95dc\u6ce8\u5be6\u969b\u640d\u5931\u3002\n\u76f8\u53cd\uff0c\u53c3\u6578\u7b56\u7565\u6db5\u84cb\u7279\u5b9a\u4e8b\u4ef6\u767c\u751f\u7684\u6982\u7387\uff0c\u4f8b\u5982\u5730\u9707\u3002\n\u5982\u679c\u767c\u751f\u7279\u5b9a\u4e8b\u4ef6\u4e26\u7531\u7b2c\u4e09\u65b9\u9a57\u8b49\uff0c\u4fdd\u55ae\u5c07\u652f\u4ed8\u4fdd\u55ae\u672c\u8eab\u4e2d\u898f\u5b9a\u7684\u9810\u5b9a\u91d1\u984d\u3002  <\/p>\n\n<p>\u53c3\u6578\u5316\u4fdd\u55ae\u7684\u4e00\u500b\u4e3b\u8981\u512a\u9ede\u662f\u5b83\u5011\u80fd\u5920\u964d\u4f4e\u8907\u96dc\u6027\uff0c\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u5feb\u5730\u652f\u4ed8\u7d22\u8ce0\uff0cConner Strong &amp; Buckelew\u7684 <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2020\/01\/09\/553850.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Daniel Brettler\u548cTimothy Gosnear<\/a> \u5beb\u9053\u3002\n\u5ba2\u6236\u53ef\u4ee5\u653e\u5fc3\uff0c\u56e0\u70ba\u5982\u679c\u6eff\u8db3\u689d\u4ef6\uff0c\u4ed6\u5011\u5c07\u6536\u5230\u9810\u5b9a\u7684\u4ed8\u6b3e\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5728\u4e0d\u627f\u64d4\u984d\u5916\u98a8\u96aa\u7684\u60c5\u6cc1\u4e0b\u56de\u61c9\u7d22\u8ce0\uff0c\u4f8b\u5982\u6d3e\u9063\u7406\u7b97\u54e1\u5be9\u67e5\u6f5b\u5728\u5371\u96aa\u5834\u6240\uff08\u5982\u91ce\u706b\u5340\u6216\u98b6\u98a8\u707d\u5340\uff09\u7684\u640d\u5931\u3002 <\/p>\n\n<p>\u5929\u6c23\u662f\u53c3\u6578\u4fdd\u96aa\u55ae\u7684\u5e38\u898b\u89f8\u767c\u4e8b\u4ef6\uff0c\u4f46\u5b83\u4e26\u4e0d\u662f\u552f\u4e00\u53ef\u80fd\u5c0e\u81f4\u4ed8\u6b3e\u7684\u4e8b\u4ef6\uff0c <a href=\"https:\/\/www.airmic.com\/sites\/default\/files\/Stuart-Turner-Risk-Leadership-Dissertation-White-Paper.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Stuart Turner<\/a> \u5728 Airmic \u7684\u767d\u76ae\u66f8\u4e2d\u5beb\u9053\u3002<\/p>\n\n<p>\u53c3\u6578\u4fdd\u96aa\u8db3\u5920\u9748\u6d3b\uff0c\u53ef\u4ee5\u6db5\u84cb\u4e00\u7cfb\u5217\u89f8\u767c\u4e8b\u4ef6\uff0c\u53ea\u8981\u9019\u4e9b\u4e8b\u4ef6\u53ef\u4ee5\u7531\u7b2c\u4e09\u65b9\u9a57\u8b49\u3002\n\u4f8b\u5982\uff0c\u53c3\u6578\u7b56\u7565\u4e5f\u53ef\u80fd\u57fa\u65bc\u7ba1\u7406\u6a5f\u69cb\u7684\u7dca\u6025\u8072\u660e\u3001\u5e02\u7d1a\u6216\u5dde\u7d1a\u5bb5\u7981\u6216\u5176\u4ed6\u56e0\u7d20\u3002 <\/p>\n\n<p>\u201c\u53c3\u6578\u4fdd\u96aa\u7684\u5de8\u5927\u512a\u52e2\u5728\u65bc\u5b83\u6d88\u9664\u4e86\u627f\u4fdd\u904e\u7a0b\u4e2d\u7684\u5927\u91cf\u4e0d\u78ba\u5b9a\u6027\uff0c\u201d\u5c08\u6ce8\u65bc\u53c3\u6578\u6d2a\u6c34\u4fdd\u96aa\u7684\u4fdd\u96aa\u79d1\u6280\u516c\u53f8 FloodFlash \u7684\u806f\u5408\u5275\u59cb\u4eba <a href=\"https:\/\/www.leadersedge.com\/p-c\/parametric-flood-cover-makes-its-mark\" target=\"_blank\" rel=\"noreferrer noopener\">Adam Rimmer<\/a> \u8aaa\u3002\n\u9019\u7a2e\u4e0d\u78ba\u5b9a\u6027\u7684\u6d88\u9664\u5c0d\u4fdd\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u90fd\u6709\u597d\u8655\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/online-shopping-preparations-1024x683.jpg\" alt=\"\" class=\"wp-image-9692\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/online-shopping-preparations-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/online-shopping-preparations-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/online-shopping-preparations-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/online-shopping-preparations.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u53c3\u6578\u4fdd\u96aa\u7bc4\u570d\u7684\u589e\u9577\u6a5f\u6703<\/h2>\n\n<p>\u53c3\u6578\u4fdd\u96aa\u6709\u671b\u5728\u672a\u4f86\u5e7e\u5e74\u5be6\u73fe\u986f\u8457\u589e\u9577\uff0c\u9019\u4e3b\u8981\u6b78\u56e0\u65bc\u5169\u500b\u56e0\u7d20\uff1a\u5728 COVID-19 \u5927\u6d41\u884c\u4e4b\u5f8c\uff0c\u6211\u5011\u5206\u6790\u6578\u64da\u548c\u5ba2\u6236\u64d4\u6182\u7684\u80fd\u529b\u5f97\u5230\u64f4\u5c55\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5229\u7528\u6578\u64da\u7684\u529b\u91cf\u8986\u84cb Uncoverable<\/h3>\n\n<p>Abernite \u7684\u5275\u59cb\u4eba\u517c InsTech London \u7684\u5408\u5925\u4eba <a href=\"https:\/\/www.insurancethoughtleadership.com\/parametric-insurance-is-it-the-future\/\" target=\"_blank\" rel=\"noreferrer noopener\">Matthew Grant<\/a> \u5beb\u9053\uff0c\u53c3\u6578\u4fdd\u96aa\u70ba\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4e86\u4e00\u7a2e\u627f\u4fdd\u50b3\u7d71\u4e0a\u88ab\u8a8d\u70ba\u56f0\u96e3\u3001\u6df7\u4e82\u6216\u4e0d\u53ef\u80fd\u627f\u4fdd\u7684\u98a8\u96aa\u7684\u65b9\u6cd5\u3002\n\u53c3\u6578\u4fdd\u96aa\u7684\u4e00\u500b\u597d\u8655\u662f\uff0c\u5b83\u4e0d\u50c5\u53ef\u4ee5\u5728\u767c\u751f\u5927\u7bc4\u570d\u707d\u5bb3\u7684\u60c5\u6cc1\u4e0b\u70ba\u5ba2\u6236\u63d0\u4f9b\u4fdd\u969c\uff0c\u9084\u53ef\u4ee5\u5728\u5ba2\u6236\u9700\u8981\u70ba\u7279\u5b9a\u7d50\u69cb\u6216\u5834\u6240\uff08\u5982\u9ad4\u80b2\u5834\u9928\uff09\u63d0\u4f9b\u5c08\u9580\u4fdd\u96aa\u7684\u60c5\u6cc1\u4e0b\u63d0\u4f9b\u4fdd\u969c\u3002 <\/p>\n\n<p>\u7531\u65bc\u6211\u5011\u524d\u6240\u672a\u6709\u7684\u6578\u64da\u6536\u96c6\u548c\u5206\u6790\u80fd\u529b\uff0c\u9019\u7a2e\u8986\u84cb\u7bc4\u570d\u6210\u70ba\u53ef\u80fd\u3002<\/p>\n\n<p><br\/>\u201c\u5c0d\u4e0d\u65b7\u6539\u9032\u7684\u5efa\u6a21\u6280\u8853\u548c\u6574\u9ad4\u6b77\u53f2\u6578\u64da\u7684\u6355\u7372\u4f7f\u53c3\u6578\u5316\u89e3\u6c7a\u65b9\u6848\u7684\u767c\u5c55\u6210\u70ba\u53ef\u80fd\uff0c\u201d <a href=\"https:\/\/www.amwins.com\/resources-insights\/article\/how-parametric-products-benefit-catastrophe-driven-risk-transfer_09-18\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Kaplan<\/a> \u548c AmWINS \u7684\u66ff\u4ee3\u98a8\u96aa\u5c0f\u7d44\u6210\u54e1\u5beb\u9053\u3002<\/p>\n\n<p>\u7531\u65bc\u6578\u64da\u5206\u6790\u73fe\u5728\u53ef\u4ee5\u63d0\u4f9b\u8207\u7279\u5b9a\u985e\u578b\u98a8\u96aa\u76f8\u95dc\u7684\u56e0\u7d20\u7684\u6975\u5176\u8a73\u7d30\u7684\u8996\u5716\uff0c\u56e0\u6b64\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u91dd\u5c0d\u67d0\u4e9b\u98a8\u96aa\u985e\u578b\u5b9a\u88fd\u53c3\u6578\u7b56\u7565\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u8607\u9ece\u4e16\u518d\u4fdd\u96aa\u6700\u8fd1\u70ba\u5929\u6c23\u640d\u58de\u6216\u5efa\u7bc9\u9805\u76ee\u5ef6\u8aa4\u63a8\u51fa\u4e86\u53c3\u6578\u4fdd\u96aa\u3002\n\u8607\u9ece\u4e16\u5317\u7f8e\u5efa\u7bc9\u7269\u696d\u7d93\u7406 <a href=\"https:\/\/www.zurichna.com\/knowledge\/articles\/2020\/12\/weather-parametric-insurance-for-construction-building-resilience-for-the-future\" target=\"_blank\" rel=\"noreferrer noopener\">Patrick McBride<\/a> \u5beb\u9053\uff0c\u8a72\u4fdd\u96aa\u5074\u91cd\u65bc\u4e09\u7a2e\u7279\u5b9a\u7684\u5929\u6c23\u548c\u6c23\u5019\u98a8\u96aa\uff1a\u6bcf\u65e5\u7e3d\u964d\u96e8\u91cf\u3001\u6bcf\u5c0f\u6642\u5e73\u5747\u98a8\u901f\u548c\u6975\u7aef\u6eab\u5ea6\u3002\n\u7531\u65bc\u63a1\u7528\u4e86\u6700\u65b0\u7684\u6280\u8853\u5de5\u5177\uff0c\u53ef\u4ee5\u8f15\u9b06\u6536\u96c6\u548c\u50b3\u8f38\u8a73\u7d30\u7684\u5929\u6c23\u6578\u64da\uff0c\u5f9e\u800c\u4f7f\u78ba\u5b9a\u8986\u84cb\u7bc4\u570d\u662f\u5426\u9069\u7528\u7684\u904e\u7a0b\u8b8a\u5f97\u5feb\u901f\u800c\u7c21\u55ae\u3002  <\/p>\n\n<p>\u9ad8\u89e3\u6790\u5ea6\u6578\u64da\u5de5\u5177\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u597d\u5730\u77ad\u89e3\u91cd\u5927\u4e8b\u4ef6\u53ca\u5176\u5f71\u97ff\u3002\n\u5b83\u5011\u9084\u5141\u8a31\u7279\u5b9a\u65bc\u4f4d\u7f6e\u7684\u53c3\u6578\u8986\u84cb\u7387\uff0c\u4e26\u4e14\u66f4\u9069\u5408\u89e3\u6c7a\u4f4d\u7f6e\u53ef\u80fd\u906d\u53d7\u7684\u6240\u6709\u985e\u578b\u7684\u640d\u5931\u3002 <\/p>\n\n<p>\u53c3\u6578\u8986\u84cb\u7387\u5c0d\u826f\u597d\u6578\u64da\u5206\u6790\u7684\u9700\u6c42\u4e5f\u70ba\u6210\u719f\u7684\u4fdd\u96aa\u516c\u53f8\u548c\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u5275\u9020\u4e86\u5efa\u7acb\u5bcc\u6709\u6210\u6548\u7684\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u7684\u6a5f\u6703\u3002<\/p>\n\n<p>\u201c\u53c3\u6578\u4fdd\u96aa\u662f\u4fdd\u96aa\u79d1\u6280\u9769\u547d\u4e2d\u6700\u6709\u524d\u9014\u7684\u5275\u65b0\u4e4b\u4e00\uff0c\u56e0\u70ba\u5b83\u5be6\u73fe\u4e86\u4fdd\u96aa\u79d1\u6280\u7684\u5169\u500b\u95dc\u9375\u627f\u8afe\uff1a\u901a\u904e\u6280\u8853\u548c\u81ea\u52d5\u5316\u63d0\u9ad8\u904b\u71df\u6548\u7387;\u4ee5\u53ca\u589e\u52a0\u92b7\u552e\u4fdd\u96aa\u7684\u9700\u6c42\u65b9\u6a5f\u6703\uff0c\u201cJumpstart Insurance \u5275\u59cb\u4eba\u517c\u9996\u5e2d\u57f7\u884c\u5b98 <a href=\"https:\/\/www.propertycasualty360.com\/2021\/01\/13\/claims-considerations-for-parametric-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kate Stillwell<\/a> \u5beb\u9053\u3002<\/p>\n\n<p>\u70ba\u4e86\u63d0\u9ad8\u5ba2\u6236\u5c0d\u53c3\u6578\u4fdd\u96aa\u7684\u8208\u8da3\uff0c\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u6559\u80b2\u6d88\u8cbb\u8005\u4e86\u89e3\u53c3\u6578\u4fdd\u96aa\u7684\u904b\u4f5c\u65b9\u5f0f\u4ee5\u53ca\u5b83\u5982\u4f55\u4f7f\u4ed6\u5011\u6216\u4ed6\u5011\u7684\u696d\u52d9\u53d7\u76ca\u3002\n\u5118\u7ba1 COVID-19 \u5927\u6d41\u884c\u9020\u6210\u4e86\u6240\u6709\u6df7\u4e82\uff0c\u4f46\u5b83\u4e5f\u5275\u9020\u4e86\u4e00\u500b\u6a5f\u6703\uff0c\u5ba2\u6236\u6b63\u5728\u5c0b\u627e\u65b0\u7684\u65b9\u6cd5\u4f86\u78ba\u4fdd\u4ed6\u5011\u7684\u696d\u52d9\u514d\u53d7\u5e72\u64fe\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u53c3\u6578\u8986\u84cb\u7387\u548c COVID-19\uff1a\u5916\u5c55\u6a5f\u6703<\/h3>\n\n<p>\u5728 COVID-19 \u5927\u6d41\u884c\u958b\u59cb\u4e4b\u524d\u5c31\u5b58\u5728\u75be\u75c5\u7206\u767c\u7684\u53c3\u6578\u7b56\u7565\u3002\n\u4e0d\u5e78\u7684\u662f\uff0c\u5927\u591a\u6578\u4f01\u696d\u5728\u5927\u6d41\u884c\u4e4b\u5f8c\u624d\u610f\u8b58\u5230\u53c3\u6578\u7b56\u7565\u5c0d\u75be\u75c5\u7206\u767c\u7684\u50f9\u503c\u3002 <\/p>\n\n<p>\u8036\u9b6f\u5927\u5b78\u7ba1\u7406\u5b78\u9662\u7684 <a href=\"https:\/\/som.yale.edu\/blog\/understanding-parametric-triggers-in-catastrophe-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Vaasavi Unnava<\/a> \u5beb\u9053\uff0c\u5927\u6d41\u884c\u75c5\u6216\u75be\u75c5\u7206\u767c\u7684\u53c3\u6578\u5316\u7b56\u7565\u901a\u5e38\u5206\u70ba\u5169\u985e\u4e4b\u4e00\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u8986\u84cb\u7387\u7684\u89f8\u767c\u65b9\u5f0f\u3002\n\u67d0\u4e9b\u7b56\u7565\u4f9d\u8cf4\u65bc\u7b2c\u4e09\u65b9\u6536\u96c6\u7684\u7d71\u8a08\u6578\u64da\uff0c\u4f8b\u5982\u4e16\u754c\u885b\u751f\u7d44\u7e54\u767b\u8a18\u7684\u7279\u5b9a\u75be\u75c5\u7206\u767c\u5c0e\u81f4\u7684\u6b7b\u4ea1\u4eba\u6578\u3002\n\u5176\u4ed6 S \u4f7f\u7528\u6c11\u653f\u7576\u5c40\u53c3\u6578\uff08\u4f8b\u5982\u5ba3\u4f48\u7684\u7dca\u6025\u72c0\u614b\uff09\u4f86\u89f8\u767c\u4fdd\u55ae\u4e0b\u7684\u4ed8\u6b3e\u3002  <\/p>\n\n<p>\u201c\u6c11\u4e8b\u7576\u5c40\u89f8\u767c\u5668\u63d0\u4f9b\u4e86\u4e00\u7a2e\u89e3\u91cb\u975e\u7269\u7406\u640d\u5bb3\u7684\u7b56\u7565\uff0c\u5927\u591a\u6578\u5546\u696d\u4fdd\u96aa\u55ae\u76ee\u524d\u4e0d\u5305\u62ec\u5728\u5176\u627f\u4fdd\u7bc4\u570d\u5167\uff0c\u201dUnnava \u5beb\u9053\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u8a31\u591a\u6cd5\u9662\u767c\u73fe\uff0c\u7531\u65bc COVID-19 \u800c\u95dc\u9589\u975e\u5fc5\u8981\u4f01\u696d\u7684\u5dde\u95dc\u9589\u4ee4\u4e26\u672a\u89f8\u767c\u50b3\u7d71\u4fdd\u55ae\u4e0b\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u3002\n\u7136\u800c\uff0c\u5c08\u9580\u8003\u616e\u9019\u4e9b\u985e\u578b\u7684\u505c\u5de5\u4ee4\u7684\u53c3\u6578\u4fdd\u55ae\u5c07\u5728\u5ba2\u6236\u7684\u975e\u5fc5\u8981\u696d\u52d9\u88ab\u8feb\u95dc\u9589\u4ee5\u6e1b\u7de9\u75be\u75c5\u50b3\u64ad\u7684\u60c5\u6cc1\u4e0b\u63d0\u4f9b\u4fdd\u969c\u3002 <\/p>\n\n<p>\u9054\u4fe1\u53e6\u985e\u98a8\u96aa\u696d\u52d9\u8ca0\u8cac\u4eba\u517c\u9ad8\u7d1a\u526f\u7e3d\u88c1 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/04\/03\/563224.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Lacovara<\/a>\u8868\u793a\uff0c\u50cf\u9054\u4fe1\u7684PathogenRX\u9019\u6a23\u7684\u53c3\u6578\u4fdd\u96aa\u7522\u54c1\u63d0\u4f9b\u4e86\u9019\u6a23\u7684\u4fdd\u96aa\uff0c\u4f46PathogenRX\u5728\u75ab\u60c5\u524d\u5e7e\u4e4e\u6c92\u6709\u5f15\u8d77\u4eba\u5011\u7684\u8208\u8da3\u3002\n\u76f4\u5230 COVID-19 \u6210\u70ba\u4e00\u500b\u554f\u984c\u5f8c\uff0c\u4f01\u696d\u624d\u958b\u59cb\u806f\u7e6b Marsh\uff0c\u8a0e\u8ad6\u5176\u91dd\u5c0d\u75be\u75c5\u7206\u767c\u7684\u53c3\u6578\u8986\u84cb\u7387\u3002 <\/p>\n\n<p>\u96d6\u7136\u8cfc\u8cb7\u6b64\u985e\u4fdd\u96aa\u7121\u6cd5\u89e3\u6c7a\u5df2\u7d93\u767c\u751f\u7684\u640d\u5931\uff0c\u4f46\u5b83\u5011\u5c0d\u65bc\u5bb9\u6613\u53d7\u5230\u516c\u5171\u885b\u751f\u548c\u5176\u4ed6\u5371\u6a5f\u5f71\u97ff\u7684\u4f01\u696d\u4f86\u8aaa\u53ef\u80fd\u5f88\u6709\u50f9\u503c\u3002\n\u4f8b\u5982\uff0c\u5728\u653f\u5e9c\u4e0b\u4ee4\u95dc\u9589\u7684\u60c5\u6cc1\u4e0b\uff0c\u5c08\u6ce8\u65bc\u4fdd\u8b77\u4f01\u696d\u7684\u653f\u7b56\u53ef\u4ee5\u5e6b\u52a9\u4f01\u696d\u7dad\u6301\u751f\u8a08\uff0c\u5373\u4f7f\u6c92\u6709\u5c0d\u4f01\u696d\u7684\u8ca1\u7522\u9020\u6210\u7269\u7406\u640d\u5bb3\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-plant-care-1024x682.jpg\" alt=\"\" class=\"wp-image-9682\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-plant-care-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-plant-care-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-plant-care-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-plant-care.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5411\u5ba2\u6236\u63a8\u92b7\u53c3\u6578\u4fdd\u96aa\u55ae<\/h2>\n\n<p>\u76ee\u524d\uff0c\u53c3\u6578\u4fdd\u96aa\u55ae\u53ef\u80fd\u5f88\u96e3\u92b7\u552e\uff0c\u56e0\u70ba\u5ba2\u6236\u5c0d\u9019\u4e9b\u985e\u578b\u7684\u4fdd\u96aa\u77e5\u4e4b\u751a\u5c11\u3002\n\u4e0d\u77e5\u9053\u53c3\u6578\u8986\u84cb\u7387\u662f\u4e00\u7a2e\u9078\u64c7\u7684\u5ba2\u6236\uff0c\u66f4\u4e0d\u7528\u8aaa\u5b83\u662f\u5982\u4f55\u5de5\u4f5c\u7684\uff0c\u4e0d\u6703\u5c0b\u627e\u9019\u6a23\u7684\u7b56\u7565\uff0c\u4e26\u4e14\u53ef\u80fd\u5c0d\u5176\u597d\u8655\u6301\u61f7\u7591\u614b\u5ea6\u3002 <\/p>\n\n<p>\u201c\u5c0d\u65bc\u500b\u9ad4\u4f01\u696d\u4f86\u8aaa\uff0c\u9019\u8b8a\u5f97\u66f4\u52a0\u56f0\u96e3 [to sell parametric insurance] \uff0c\u56e0\u70ba\u60a8\u9700\u8981\u63d0\u9ad8\u5c0d\u7522\u54c1\u7684\u8a8d\u77e5\u5ea6\uff0c\u201d\u745e\u58eb\u518d\u4fdd\u96aa\u7f8e\u570b\u548c\u52a0\u62ff\u5927\u623f\u5730\u7522\u89e3\u6c7a\u65b9\u6848\u4e3b\u7ba1 <a href=\"http:\/\/www.rmmagazine.com\/2019\/04\/01\/the-evolution-of-parametric-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Matt Junge<\/a> \u8aaa\u3002\n\u6559\u80b2\u6d88\u8cbb\u8005\u662f\u5fc5\u4e0d\u53ef\u5c11\u7684\u7b2c\u4e00\u6b65\uff0c\u5b83\u63d0\u4f9b\u4e86\u4e00\u7a2e\u5efa\u7acb\u95dc\u4fc2\u7684\u65b9\u6cd5\uff0c\u540c\u6642\u4e5f\u70ba\u5ba2\u6236\u63d0\u4f9b\u4e86\u8003\u616e\u53c3\u6578\u8986\u84cb\u7387\u6240\u9700\u7684\u77e5\u8b58\u3002 <\/p>\n\n<p>Munich Reinsurance America \u7684 <a href=\"https:\/\/www.munichre.com\/us-non-life\/en\/solutions\/reinsurance\/products\/parametric-solutions.html#508028742\" target=\"_blank\" rel=\"noreferrer noopener\">Greg Mader \u548c Jason Dunn<\/a> \u5beb\u9053\uff0c\u9f13\u52f5\u5ba2\u6236\u95dc\u6ce8\u53c3\u6578\u4fdd\u96aa\u9078\u9805\u7684\u4e00\u7a2e\u65b9\u6cd5\u662f\u5f37\u8abf\u5728\u8feb\u5207\u9700\u8981\u5373\u6642\u73fe\u91d1\u7684\u60c5\u6cc1\u4e0b\uff0c\u9019\u7a2e\u4fdd\u96aa\u53ef\u4ee5\u63d0\u4f9b\u66f4\u5feb\u7684\u8ce0\u4ed8\u3002<\/p>\n\n<p>\u50b3\u7d71\u4fdd\u96aa\u901a\u5e38\u6d89\u53ca\u767c\u751f\u640d\u5931\u6216\u63d0\u51fa\u7d22\u8ce0\u8207\u88ab\u4fdd\u96aa\u4eba\u6536\u5230\u91cd\u5efa\u6240\u9700\u8cc7\u91d1\u4e4b\u9593\u7684\u5dee\u8ddd\u3002\n\u9019\u6bb5\u6642\u9593\u901a\u5e38\u7528\u65bc\u78ba\u5b9a\u5ba2\u6236\u7684\u5be6\u969b\u640d\u5931\u3002\n\u7136\u800c\uff0c\u7576\u4fdd\u96aa\u7531\u7dca\u6025\u8072\u660e\u6216\u7279\u5b9a\u5929\u6c23\u707d\u5bb3\u7b49\u4e8b\u4ef6\u89f8\u767c\u6642\uff0c\u53ef\u4ee5\u66f4\u5feb\u5730\u652f\u4ed8\uff0c\u8b93\u88ab\u4fdd\u96aa\u4eba\u80fd\u5920\u5c08\u6ce8\u65bc\u91cd\u65b0\u7ad9\u8d77\u4f86\u3002  <\/p>\n\n<p>\u9f13\u52f5\u5ba2\u6236\u63a5\u53d7\u53c3\u6578\u4fdd\u55ae\u7684\u53e6\u4e00\u7a2e\u65b9\u6cd5\u662f\u95dc\u6ce8\u9019\u4e9b\u4fdd\u55ae\u5982\u4f55\u89e3\u6c7a\u50b3\u7d71\u4fdd\u96aa\u7121\u6cd5\u627f\u4fdd\u7684\u640d\u5931\u3002<\/p>\n\n<p>\u201c\u640d\u5931\u4e0d\u6703\u96a8\u8457\u76f4\u63a5\u7684\u8ca1\u7522\u640d\u5931\u548c\u7531\u6b64\u7522\u751f\u7684\u696d\u52d9\u4e2d\u65b7\u800c\u505c\u6b62\uff0c\u201d\u745e\u58eb\u518d\u4fdd\u96aa\u4f01\u696d\u89e3\u6c7a\u65b9\u6848\u53c3\u6578\u5316\u81ea\u7136\u707d\u5bb3\u8ca0\u8cac\u4eba <a href=\"https:\/\/www.strategic-risk-europe.com\/future\/future-of-insurance-rise-of-parametric-covers\/1434712.article\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Hotz<\/a> \u8aaa\u3002<\/p>\n\n<p>\u6839\u64da <a href=\"https:\/\/content.naic.org\/cipr_topics\/topic_parametric_disaster_insurance.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u570b\u4fdd\u96aa\u5c08\u54e1\u5354\u6703<\/a>\u4fdd\u96aa\u653f\u7b56\u8207\u7814\u7a76\u4e2d\u5fc3\u7684\u8aaa\u6cd5\uff0c\u78ba\u4fdd\u53c3\u6578\u4fdd\u55ae\u7684\u652f\u51fa\u5728\u640d\u5931\u6642\u7b26\u5408\u5ba2\u6236\u7684\u9700\u6c42\u4e5f\u5f88\u91cd\u8981\u3002\n\u7576\u5ba2\u6236\u906d\u53d7\u4fdd\u55ae\u672a\u6db5\u84cb\u7684\u640d\u5931\u6642\uff0c\u4ed6\u5011\u53ef\u80fd\u6703\u653e\u68c4\u9019\u7a2e\u95dc\u4fc2\uff0c\u8f49\u800c\u9078\u64c7\u66f4\u5177\u9ad4\u5730\u95dc\u6ce8\u5176\u640d\u5931\u7684\u4fdd\u96aa\u3002\n\u76f8\u53cd\uff0c\u640d\u5931\u5f88\u5c0f\u4f46\u7372\u5f97\u5927\u91cf\u8ce0\u4ed8\u7684\u5ba2\u6236\u5247\u7531\u4fdd\u96aa\u516c\u53f8\u627f\u64d4\u8cbb\u7528\u3002  <\/p>\n\n<p>\u5728\u8a31\u591a\u65b9\u9762\uff0c\u73fe\u5728\u662f\u53c3\u6578\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u7684\u597d\u6642\u6a5f\u3002\n\u5927\u6578\u64da\u7684\u8208\u8d77\u548c\u5c08\u6ce8\u65bc\u6578\u64da\u5206\u6790\u7684\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u7684\u6fc0\u589e\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u7de8\u5beb\u66f4\u6709\u6548\u3001\u66f4\u6709\u91dd\u5c0d\u6027\u7684\u53c3\u6578\u4fdd\u96aa\u3002\n\u5728\u75ab\u60c5\u671f\u9593\u767c\u73fe\u81ea\u5df1\u5c0d\u50b3\u7d71\u4fdd\u96aa\u9078\u9805\u611f\u5230\u5931\u671b\u7684\u5ba2\u6236\u5df2\u6e96\u5099\u597d\u8003\u616e\u65b0\u7684\u65b9\u6cd5\u4f86\u61c9\u5c0d\u98a8\u96aa\u3002\n\u901a\u904e\u57f9\u8a13\u5ba2\u6236\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u71df\u92b7\u53c3\u6578\u4fdd\u96aa\u3002   <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1alangstrup\/\u00a9123RF.com\uff0c Somsak Khamkula\/\u00a9123RF.com\uff0c piksel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>COVID-19 \u5927\u6d41\u884c\u63ed\u793a\u4e86\u50b3\u7d71\u4fdd\u96aa\u7bc4\u570d\u7684\u8a31\u591a\u7f3a\u9677\u3002 \u4f8b\u5982\uff0c\u8a31\u591a\u4f01\u696d\u4e3b\u5728\u75ab\u60c5\u95dc\u9589\u540e\u624d\u767c\u73fe\uff0c\u50b3\u7d71\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa 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